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Employer coverage is designed to protect the organization first
Individual coverage protects your personal license and reputation
Coverage can follow you if you change jobs or work in multiple settings
If you rely solely on employer coverage, you may not have protection for services outside of that role or for certain board or regulatory matters.
Nurse Practitioners
Nurse Practitioners often practice with a high level of autonomy, diagnosing conditions, prescribing medications, and managing patient treatment plans. As scope of practice expands, so does exposure to liability risk.
What Coverage Can Include
- Legal defense costs provided in addition to policy limits
- Protection for malpractice claims related to patient care
- Licensing board defense and regulatory support
- HIPAA defense coverage
- Portable protection that follows you across roles and practice settings
- Occurrence coverage for incidents that happen during your policy period
Having your own policy can be especially important if you moonlight, work locum tenens assignments, practice independently, or change employers.
For NP Practice or Business Owners
If you own or operate a practice, your risk exposure extends beyond direct patient care. Business owners may need protection for both clinical services and business operations.
Additional considerations may include
- Coverage for the entity itself
- Protection for employed clinicians
- General liability coverage for slip and fall or third-party claims
- Business personal property coverage
- Cyber liability and data breach protection
Having the right structure in place helps safeguard your practice, employees, and financial investment.
Physician Assistants
Physician Assistants practice in a wide range of specialties and clinical environments. Even when working under physician supervision, PAs can be named individually in malpractice claims.
What Coverage Can Include
- Legal defense coverage separate from policy limits
- Protection for claims arising from professional services
- Licensing board and regulatory defense
- HIPAA proceeding coverage
- Coverage that remains with you if you change employers
- Occurrence form coverage for incidents during the policy term
Individual professional liability insurance helps ensure your interests are protected, regardless of your employer’s policy structure.
For PA Practice or Business Owners
As laws evolve and more PAs take on ownership or leadership roles, liability exposure may increase. If you own, co-own, or manage a practice, your coverage needs may be more complex.
Business owners should consider
- Coverage for the practice entity
- Protection for supervising or collaborating arrangements
- Coverage for employed providers
- General liability and premises exposure
- Cyber liability for patient data
- Coverage for equipment and business property
A tailored insurance solution can help protect both your professional services and your business operations.
Coverage Details
Nurse Practitioners
Limits — up to $1M/$6M
The main feature of the policy that covers you up to the limits on your declarations page that you become legally obligated to pay as a result of a professional liability claim arising out of a covered incident. Limits vary by profession up to $1 million per occurrence/$6 million aggregate. When you complete a quote, the available limits based on your profession and state will be provided.
Legal Representation — Fees paid in addition to limits
The policy includes legal representation for covered incidents. This means you have an attorney assigned to you to represent your interests – not the interests of others such as your employer. The legal fees and expenses are in addition to your professional liability policy limits, which is a key benefit to you as this means legal fees and expenses do not erode your liability limits.
HIPAA Coverage — $50,000
Pays up to $50,000 for HIPAA fines, penalties, and notification costs.
Licensing Board Reimbursement — $25,000 per incident/$100,000 per policy period
Covers up to $25,000 per incident/$100,000 per policy period for attorney fees or other expenses or fees from an investigation or proceedings from an entity responsible for regulating your profession. In most regulated professions, anyone can file a complaint against you such as your patient, patient’s family, your employer or coworker. If you’re employed, your employer may not reimburse you for investigations or proceedings.
Deposition Expense — $15,000 per policy period
Covers up to $15,000 aggregate for all reasonable fees, costs and expenses to represent you at a deposition which you are required to attend.
Wage Loss and Expense — $2,500 per day/$35,000 per policy period
Covers for lost wages, costs and expenses for your required attendance at a trial, hearing or arbitration proceeding as a defendant in a covered claim.
First Aid Reimbursement — $25,000 per policy period*
Covers up to $25,000 per policy for all medical related expenses for rendering first aid to others due to bodily injury.
* Coverage amounts may vary by business type
Medical Payments — $25,000 per person/$100,000 all persons
Covers up to $25,000 per person, up to $100,000 all persons for medical expenses incurred by others due to a bodily injury caused by an occurrence during the policy period.
Damage to Property of Others — $10,000
Covers up to $10,000 for damage to property of others caused by you during the policy period.
First Party Assault Coverage — $25,000 per policy period
Covers up to $25,000 per policy period for medical expenses or repair or replacement of personal property due to an assault at your workplace premises. Includes coverage for workplace violence events.
Media Expense Coverage - $2,500 per incident/ $10,000 per policy period
Up to $2,500 per incident/ $10,000 per policy period (Individual) or $5,000 per incident/$25,000 per policy period (Group Practice) for expenses incurred for claims involving published material on a website or social media.
Sexual Abuse/Molestation Coverage - $25,000 sub-limit
Provides up to $25,000 indemnity.
Occurrence Policy Form
Covers incidents that happen during your policy period regardless of when the claims are reported. All of the allied health and nursing policies through Liberty Insurance Underwriters are on occurrence policy forms.
Portable Coverage — Follows You 24/7
When you apply for individual coverage, the policy covers you for your professional services, including on and off the job, moonlighting and volunteering.
Optional Coverage Features
- Consulting and Educational Services Endorsement
- General Liability Insurance
- Additional Insured Endorsement
Coming Soon
- Supervising Professional Endorsement
- Medical Director Endorsement
Physician Assistants
Limits — up to $1M/$3M
The main feature of the policy that covers you up to the limits on your declarations page that you become legally obligated to pay as a result of a professional liability claim arising out of a covered incident. Limits vary by profession up to $1 million per occurrence/$3 million aggregate. When you complete a quote, the available limits based on your profession and state will be provided.
Legal Representation — Legal fees paid in addition to the liability limits
The policy includes legal representation for covered incidents. This means you have an attorney assigned to you to represent your interests – not the interests of others such as your employer. The legal fees and expenses are in addition to your professional liability policy limits, which is a key benefit to you as this means legal fees and expenses do not erode your liability limits.
HIPAA Coverage — $50,000
Pays up to $50,000 for HIPAA fines, penalties, and notification costs.
Licensing Board Reimbursement — $25,000 per incident/$100,000 per policy period
Covers up to $25,000 per incident/$100,000 per policy period for attorney fees or other expenses or fees from an investigation or proceedings from an entity responsible for regulating your profession. In most regulated professions, anyone can file a complaint against you such as your patient, patient’s family, your employer or coworker. If you’re employed, your employer may not reimburse you for investigations or proceedings.
Deposition Expense — $15,000 per policy period
Covers up to $15,000 aggregate for all reasonable fees, costs and expenses to represent you at a deposition which you are required to attend.
Wage Loss and Expense — $2,500 per day/$35,000 per policy period
Covers for lost wages, costs and expenses for your required attendance at a trial, hearing or arbitration proceeding as a defendant in a covered claim.
First Aid Reimbursement — $25,000 per policy period*
Covers up to $25,000 per policy for all medical related expenses for rendering first aid to others due to bodily injury.
* Coverage amounts may vary by business type
Medical Payments — $25,000 per person/$100,000 all persons
Covers up to $25,000 per person, up to $100,000 all persons for medical expenses incurred by others due to a bodily injury caused by an occurrence during the policy period.
Damage to Property of Others — $10,000
Covers up to $10,000 for damage to property of others caused by you during the policy period.
First Party Assault Coverage — $25,000 per policy period
Covers up to $25,000 per policy period for medical expenses or repair or replacement of personal property due to an assault at your workplace premises. Includes coverage for workplace violence events.
Media Expense Coverage - $2,500 per incident/ $10,000 per policy period
Up to $2,500 per incident/ $10,000 per policy period (Individual) or $5,000 per incident/$25,000 per policy period (Group Practice) for expenses incurred for claims involving published material on a website or social media.
Occurrence Policy Form
Covers incidents that happen during your policy period regardless of when the claims are reported. All of the allied health and nursing policies through Liberty Insurance Underwriters are on occurrence policy forms.
Sexual Abuse/Molestation Coverage - $25,000 sub-limit
Provides up to $25,000 for indemnity.
Portable Coverage — Follows You 24/7
When you apply for individual coverage, the policy covers you for your professional services, including on and off the job, moonlighting and volunteering.
Optional Coverage Features
- Consulting and Educational Services Endorsement
- General Liability Insurance
- Additional Insured Endorsement
Coming Soon
- Supervising Professional Endorsement
- Medical Director Endorsement
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